never never use this company as they are a bunch of scam artists.just tell you a load of lies call center is a joke with nobody who seems to know what they are talking about .wish i could give it no stars as they do not deserve any . anyone who is reading this please take not do not renew your policy if you havent had a claim i advise you to go to the proffessionals not the cowboy rip off artists that they are its all lies until you make a claim trust me and read all other reviews the bad reviews are all correct a big sorry to anybody who has delt with then it should show a cowboy in the add not a dos as it would be more apt STAY CLEAR ITS WORTH IT IN THE LONG RUN PROMISE.